I also started using Monarch in January 2023 (after keeping a budget manually in Excel from September–December 2022). I decided to drop Mint and keep USAA (although I understand why others would make the opposite decision). So far I've been pleased with Monarch, although the USAA transactions don't seem to update automatically (I have to "force" the update when I log in through a web browser).
I have appreciated all the feedback and comments in this thread over the past six months, although the situation itself which warranted the discussion is unfortunate.
